Medicare Advantage plans in San Diego County, California (2027)
More plans left San Diego for 2027 than any other large California county, including the whole Sharp Direct Advantage line.
San Diego, California: plans open to everyone on Parts A and B
46 plans
32 with a $0 premium and drug coverage · out-of-pocket limits $295 to $9,850 · best rating 4.5★ · 22 plan IDs of 2026 not renewed here
46 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Imperial Dynamic Plan (HMO)Imperial Health Plan of California, Inc. · HMO · H5496-012-0 | $0 | $0 | $295 | 4.0★ |
| Blue Shield Advantage (HMO)Blue Shield of California · HMO · H0504-055-0 | $0 | $300 | $499 | 4.0★ |
| Champion Ally (HMO)Champion Heath Plan · HMO · H6170-007-0 | $0 | $0 | $499 | too few data |
| Clever Care Longevity (HMO)Clever Care Health Plan · HMO · H7607-014-0 | $0 | $0 | $499 | 4.5★ |
| Blue Shield Value Advantage Plan (HMO)Blue Shield of California · HMO · H0504-057-0 | $0 | $300 | $500 | 4.0★ |
| SCAN Alta (HMO)SCAN Health Plan · HMO · H5425-082-0 | $0 | $370 | $900 | 4.0★ |
| SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO · H5425-145-0 | $0 | $370 | $900 | 4.0★ |
| Alignment Health Platinum + Instacart 016 (HMO-POS)Alignment Health Plan · HMO-POS · H3815-016-0 | $0 | $0 | $1,100 | 3.5★ |
| Blue Shield 65 Plus (HMO)Blue Shield of California · HMO · H0504-028-0 | $0 | $300 | $1,800 | 4.0★ |
| Clever Care Value (HMO)Clever Care Health Plan · HMO · H7607-015-0 | $0 | $0 | $1,999 | 4.5★ |
| Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS · H4161-003-0 | $0 | $270 | $2,000 | 3.0★ |
| Alignment Health Smart 056 (HMO)Alignment Health Plan · HMO · H3815-056-0 | $0 | $700 | $2,400 | 3.5★ |
| Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO · H3815-013-0 | $0 | $0 | $2,499 | 3.5★ |
| Alignment Health Smart 047 (HMO)Alignment Health Plan · HMO · H3815-047-0 | $0 | $700 | $2,899 | 3.5★ |
| Imperial Courage Plan (HMO)Imperial Health Plan of California, Inc. · HMO · H5496-016-0 | $0 | no drugs | $2,999 | 3.5★ |
| Aetna Medicare Prime (HMO)Aetna Medicare · HMO · H0523-075-0 | $0 | $400 | $3,000 | 3.0★ |
| Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS · H0544-091-0 | $0 | $200 | $3,000 | 3.5★ |
| Humana Gold Plus H5619-016 (HMO)Humana · HMO · H5619-016-0 | $0 | $200 | $3,000 | 4.0★ |
| Humana Gold Plus H3767-001 (HMO)Humana · HMO · H3767-001-0 | $0 | $200 | $3,300 | new |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS · H0544-065-0 | $0 | $0 | $3,400 | 3.5★ |
| Kaiser Permanente Senior Advantage San Diego (HMO)Kaiser Permanente · HMO · H0524-037-0 | $0 | $0 | $3,400 | 4.5★ |
| Astiva Health Savings Plan (HMO)Astiva Health · HMO · H1993-001-0 | $0 | $0 | $3,450 | 4.0★ |
| Alignment Health My Choice 050 (HMO)Alignment Health Plan · HMO · H3815-050-0 | $0 | $0 | $3,499 | 3.5★ |
| AARP Medicare Advantage from UHC CA-0012 (HMO-POS)UnitedHealthcare · HMO-POS · H0543-152-0 | $0 | $355 | $3,900 | 3.0★ |
| SCAN Classic (HMO)SCAN Health Plan · HMO · H5425-005-0 | $0 | $370 | $4,200 | 4.0★ |
| Blue Shield AdvantageOptimum Plan 1 (HMO)Blue Shield of California · HMO · H5928-010-0 | $0 | $475 | $4,400 | 3.5★ |
| Aetna Medicare Eagle (HMO)Aetna Medicare · HMO · H0523-099-0 | $0 | no drugs | $4,450 | 3.0★ |
| Kaiser Permanente Senior Advantage San Diego Value (HMO)Kaiser Permanente · HMO · H0524-082-0 | $0 | $0 | $4,450 | 4.5★ |
| UHC Sharp Medicare Advantage CA-001P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-145-0 | $0 | $355 | $4,450 | 3.0★ |
| UHC Sharp Medicare Advantage CA-026P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-225-0 | $0 | $355 | $4,450 | 3.0★ |
| UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-204-0 | $0 | $355 | $4,450 | 3.0★ |
| Humana Gold Plus Giveback H5619-150 (HMO)Humana · HMO · H5619-150-0 | $0 | $700 | $5,000 | 4.0★ |
| Humana USAA Honor Giveback (HMO)Humana · HMO · H5619-121-0 | $0 | no drugs | $5,250 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H0543-258-0 | $0 | no drugs | $5,900 | 3.5★ |
| Alignment Health ValorCare 053 (HMO)Alignment Health Plan · HMO · H3815-053-0 | $0 | $0 | $6,000 | 3.5★ |
| Humana USAA Honor Giveback with Rx (PPO)Humana · PPO · H5525-057-0 | $0 | $700 | $6,400 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5525-078-0 | $0 | no drugs | $6,750 | 4.0★ |
| Alignment Health Balance Plus 004 (PPO)Alignment Health Plan · PPO · H8832-004-0 | $7.30 | $700 | $9,850 | 4.0★ |
| Alignment Health Honor Plus 060 (HMO)Alignment Health Plan · HMO · H3815-060-0 | $7.30 | $700 | $9,850 | 3.5★ |
| Aetna Medicare Signature Legacy (HMO)Aetna Medicare · HMO · H0523-022-0 · was $0 in 2026 | $10 | $700 | $2,000 | 3.0★ |
| Wellcare Low Premium Focus (HMO)Wellcare · HMO · H0562-012-0 · was $30 in 2026 | $27 | $700 | $4,150 | 3.5★ |
| AARP Medicare Advantage from UHC CA-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H0543-013-0 | $29 | $355 | $5,300 | 3.0★ |
| Wellcare Low Premium (HMO)Wellcare · HMO · H0562-137-0 · was $50 in 2026 | $47 | $700 | $4,500 | 3.5★ |
| AARP Medicare Advantage from UHC CA-0007 (HMO-POS)UnitedHealthcare · HMO-POS · H0543-060-0 · was $53 in 2026 | $52 | $355 | $3,800 | 3.0★ |
| SCAN Select (HMO)SCAN Health Plan · HMO · H5425-134-0 · was $75 in 2026 | $80 | $700 | $4,450 | 4.0★ |
| Alignment Health Advantage 005 (PPO)Alignment Health Plan · PPO · H8832-005-0 | $160 | $700 | $4,451 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all California counties and drug plans
San Diego County shrank more than its neighbors for 2027: the open-to-all menu went from 60 Medicare Advantage plans in 2026 to 46, and 22 plan IDs from last year were not filed again, against 8 new ones. The plans that remain still look strong on price. 32 of the drug-covering plans charge no premium (there were 45 a year ago), the lowest in-network out-of-pocket cap is $295 with Imperial Dynamic Plan (HMO), and the median cap is $3,475, well under the national median of $6,550. 20 plans carry a 2027 rating of four stars or more; Clever Care Longevity (HMO) reaches 4.5. Almost everything is an HMO (42 plans, against 4 PPOs), and 39 special needs plans sit alongside. If your 2026 plan is in the exit list at the bottom of this page, you have until December 7 to pick its replacement.
The Sharp plans and the PPOs that did not come back
The four Sharp Direct Advantage plans (Gold, Platinum, VIP and VIP Plus) are absent from the 2027 file, and Sharp no longer appears among the county's open-plan insurers. Several Aetna Medicare PPOs, two Alignment Health PPOs, Molina Medicare Choice Care and three Central Health plans are gone as well. When a plan closes, members who do nothing are not left uninsured: they fall back to Original Medicare on January 1, usually without drug coverage, and get a special enrollment period to join another plan (42 CFR 422.62). Choosing during the annual window is the cleaner route, because the new card works on day one.
Days left in the annual change period
Days left to change for 2027
38
| Last day | December 7, 2026 |
| New plan starts | January 1, 2027 |
Who is still filing
Alignment Healthcare USA, LLC: 9; UnitedHealth Group, Inc.: 7; Humana Inc.: 6; SCAN Group: 4; California Physicians' Service: 4; Elevance Health, Inc.: 3. Kaiser Permanente keeps its San Diego Value plan, the top-rated choice here, and Blue Shield, SCAN and Clever Care keep caps at the low end. Sorting the list by cap and then checking that your medical group is in the plan's 2027 directory is quicker than reading benefit summaries one by one.
Crossing county lines
Riverside County, inland, lists 47 open plans with a median cap of $1,999. Imperial County, to the east, has 5. Plans are sold by county of residence, so a move from Oceanside to Temecula changes your options and opens a special enrollment period. Statewide, California has 259 open plans for 2027.
2026 plans not filed again here for 2027
These plan IDs were offered in San Diego County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- Aetna Medicare Signature Extra (HMO) (Aetna Medicare, H0523-092-0, insurer still present)
- Astiva Health Premier Plan (HMO) (Astiva Health, H1993-015-0, insurer still present)
- Alignment Health the ONE (HMO) (Alignment Health Plan, H3815-034-0, insurer still present)
- Alignment Health Honor+ Plan (HMO) (Alignment Health Plan, H3815-052-0, insurer still present)
- Aetna Medicare Signature (HMO) (Aetna Medicare, H4982-004-0)
- Sharp Direct Advantage Gold (HMO) (Sharp Health Plan, H5386-003-0)
- Sharp Direct Advantage Platinum (HMO) (Sharp Health Plan, H5386-004-0)
- Sharp Direct Advantage VIP (HMO) (Sharp Health Plan, H5386-005-0)
- Sharp Direct Advantage VIP Plus (HMO) (Sharp Health Plan, H5386-006-0)
- SCAN Affirm partnered with Included LGBTQ+ Health (HMO) (SCAN Health Plan, H5425-096-0, insurer still present)
- SCAN MyChoice (HMO) (SCAN Health Plan, H5425-109-0, insurer still present)
- Aetna Medicare Eagle (PPO) (Aetna Medicare, H5521-369-0)
- Aetna Medicare Signature (PPO) (Aetna Medicare, H5521-422-0)
- Aetna Medicare Enhanced (PPO) (Aetna Medicare, H5521-580-0)
- HumanaChoice H5525-077 (PPO) (Humana, H5525-077-0, insurer still present)
- Humana Gold Plus H5619-148 (HMO) (Humana, H5619-148-0, insurer still present)
- Central Health Classic Care Plan I (HMO) (Central Health Medicare Plan, H5649-027-0)
- Central Health Part B Savings Plan (HMO) (Central Health Medicare Plan, H5649-029-0)
- Central Health Valor Care Plan (HMO) (Central Health Medicare Plan, H5649-030-0)
- Molina Medicare Choice Care (HMO) (Molina Healthcare of California, H5810-014-0)
- Alignment Health Advantage PPO (PPO) (Alignment Health Plan, H8832-001-0, insurer still present)
- Alignment Health Freedom (PPO) (Alignment Health Plan, H8832-003-0, insurer still present)